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TD Bank Community Mortgage Loan Officer- Philadelphia in Philadelphia, Pennsylvania

249066BR

Job Title:

Community Mortgage Loan Officer- Philadelphia

TD Description:

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. at http://www.tdbank.com/ Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com at http://www.td.com/ .

Auto req ID:

249066BR

Country:

United States

Job Requirements:

  • Must be eligible for employment under regulatory standards applicable to the position.

Hours:

40

Job Description:

Takes residential mortgage loan applications and communicates underwriting decisions,

including offers and/or counter offers of residential mortgage products

l

Increases mortgage loan volume, focusing on CRA, low-and moderate-income, and

multicultural borrowers through effective selling of the Bank's products and programs;

Researches organizations and agencies within assigned geographic area which are focused

on providing services to low and moderate income persons and communities

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Establishes through direct outreach efforts, relationships with nonprofit organizations, realtors,

state and local housing offices, and community-based affordable housing organizations to

generate and increase CRA mortgage opportunities

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Represents the bank in community-based meetings and initiatives such as housing seminars,

financial literacy programs, affordable housing conferences, etc., which have the primary

focus of providing services to low-and moderate-income persons

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Explains variety of mortgage products and services available and offers recommendations

based on evaluation of individual prospect needs; Communicates terms and conditions of

loans and finalizes sales

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l Sells other Company products and services as appropriate

Guides customers through the mortgage application process; Explains information required

and delivers required disclosures and other information to customers; Ensures applications

are completed accurately and contain required information and supporting documentation;

Manages expectations regarding processing times and closing dates together with customers

l

Communicates regularly with customers, underwriters, processors, realtors, closing agents

and others to ensure application process proceeds as planned; Coordinates any additional

information requests, clarifications and other problem solving as needed so that process

remains on schedule; Attends closings as needed

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Informs management of progress relative to goals on a regular basis and asks for assistance

as needed to finalize sales, for training and for other issues as needed

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Sells and originates residential mortgage loans according to established policies, procedures

and applicable legal and regulatory guidelines

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Communicates loan decisions directly to customers, explains any additional information

needed and submits application materials and other required information to processing area to

clear any conditions to finalize the loan commitment and prepare for closing

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Maintains current information on the trends and developments in the local real estate market,

as well as policies, procedures, rules and regulations related to retail mortgage products

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Maintains growing network of outside referral sources in assigned territory, such as real

estate brokers, builders, attorneys, accountants, financial planners and other business

professionals; Continues researching market, identifying individuals and organizations likely to

produce referrals and developing relationships to increase the referral flow; Ensures referral

sources have current information on mortgage products and services

Enters information into mortgage loan system so that loans will appear accurately in the

pipeline; Creates supporting files with backup and explanatory documentation and information

for underwriting, regulatory and other purposes; Sends application and other required

information to underwriting area

Inclusiveness:

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Province/State:

Pennsylvania

City:

Philadelphia

Qualifications:

Bachelors Degree

3+ years work experience

Minimum target 48 LMI/multicultural units annually

Work Location:

Remote Philadelphia

Business Line:

TD Bank AMCB

Job Category - Primary:

Sales & Business Development

Job Category(s):

Sales & Business Development

**Province/State (Primary):

Pennsylvania

City (Primary):

Philadelphia

Job Family:

Commercial Lending

Time Type:

Full Time

Employment Type:

Regular

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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